Home > Zavala County Bank > Performance and Condition Ratios
Zavala County Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0308% | 3,917 |
| Cost of funding earning assets | 0.3426% | 4,344 |
| Net interest margin | 3.6882% | 1,786 |
| Noninterest income to average assets | 1.3600% | 440 |
| Noninterest expense to average assets | 2.5643% | 2,111 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.7480% | 665 |
| Return on assets (ROA) | 1.7480% | 636 |
| Pretax return on assets | 2.0785% | 598 |
| Return on Equity (ROE) | 20.0100% | 618 |
| Retained earnings to average equity (ytd only) | 15.9726% | 272 |
| Net charge-offs to loans | 0.0123% | 2,193 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 1,767.0000% | 91 |
| Efficiency ratio | 55.2318% | 3,577 |
| Assets per employee ($millions) | 4.4277% | 3,987 |
| Cash dividends to net income (ytd only)* | 20.1884% | 2,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3387% | 1,616 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 9.9000% | 4,449 |
| Net loans and leases to deposits | 11.0356% | 4,453 |
| Net loans and leases to core deposits | 11.1240% | 4,474 |
| Total domestic deposits to total assets | 89.7000% | 843 |
| Equity capital to assets | 9.8435% | 2,097 |
| Core capital (leverage) ratio | 14.2125% | 757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 53.2275% | 101 |
| Memoranda: | ||
| Average total assets | $85,013,800 | 3,971 |
| Average earning assets | $75,592,800 | 3,974 |
| Average equity | $7,425,200 | 3,996 |
| Average total loans | $8,147,000 | 4,433 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9454% | 3,931 |
| Cost of funding earning assets | 0.3132% | 4,347 |
| Net interest margin | 3.6322% | 1,920 |
| Noninterest income to average assets | 1.1600% | 521 |
| Noninterest expense to average assets | 2.5122% | 2,198 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.5486% | 1,025 |
| Return on assets (ROA) | 1.5486% | 1,018 |
| Pretax return on assets | 1.8755% | 894 |
| Return on Equity (ROE) | 18.3000% | 912 |
| Retained earnings to average equity (ytd only) | 18.3043% | 326 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 57.2549% | 3,287 |
| Assets per employee ($millions) | 4.4051% | 3,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4471% | 1,267 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 9.2800% | 4,476 |
| Net loans and leases to deposits | 10.1590% | 4,483 |
| Net loans and leases to core deposits | 10.2394% | 4,467 |
| Total domestic deposits to total assets | 91.3100% | 600 |
| Equity capital to assets | 8.3743% | 2,811 |
| Core capital (leverage) ratio | 13.6674% | 884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 53.2509% | 101 |
| Memoranda: | ||
| Average total assets | $85,235,500 | 3,986 |
| Average earning assets | $75,764,750 | 3,988 |
| Average equity | $7,211,250 | 4,022 |
| Average total loans | $8,073,500 | 4,457 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8832% | 3,899 |
| Cost of funding earning assets | 0.2676% | 4,359 |
| Net interest margin | 3.6155% | 2,003 |
| Noninterest income to average assets | 1.1400% | 470 |
| Noninterest expense to average assets | 2.4887% | 2,237 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.8030% | 654 |
| Return on assets (ROA) | 1.8030% | 653 |
| Pretax return on assets | 1.8636% | 907 |
| Return on Equity (ROE) | 21.2400% | 600 |
| Retained earnings to average equity (ytd only) | 21.2402% | 211 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 57.1811% | 3,282 |
| Assets per employee ($millions) | 4.5600% | 3,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5164% | 1,132 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 8.5500% | 4,508 |
| Net loans and leases to deposits | 9.3727% | 4,514 |
| Net loans and leases to core deposits | 9.4774% | 4,501 |
| Total domestic deposits to total assets | 91.1800% | 596 |
| Equity capital to assets | 8.6577% | 2,741 |
| Core capital (leverage) ratio | 13.0795% | 1,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 52.5676% | 99 |
| Memoranda: | ||
| Average total assets | $85,748,333 | 3,994 |
| Average earning assets | $76,226,667 | 4,000 |
| Average equity | $7,278,667 | 4,040 |
| Average total loans | $8,138,667 | 4,489 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6732% | 4,071 |
| Cost of funding earning assets | 0.2111% | 4,359 |
| Net interest margin | 3.4621% | 2,469 |
| Noninterest income to average assets | 1.1300% | 482 |
| Noninterest expense to average assets | 2.4331% | 2,432 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7554% | 741 |
| Return on assets (ROA) | 1.7554% | 734 |
| Pretax return on assets | 1.7884% | 1,086 |
| Return on Equity (ROE) | 21.7600% | 600 |
| Retained earnings to average equity (ytd only) | 21.7556% | 296 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 57.6366% | 3,228 |
| Assets per employee ($millions) | 4.5487% | 3,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4888% | 1,311 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 8.7300% | 4,578 |
| Net loans and leases to deposits | 9.4975% | 4,586 |
| Net loans and leases to core deposits | 9.6029% | 4,570 |
| Total domestic deposits to total assets | 91.8900% | 542 |
| Equity capital to assets | 8.0011% | 3,244 |
| Core capital (leverage) ratio | 12.5840% | 1,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 51.9603% | 103 |
| Memoranda: | ||
| Average total assets | $84,993,000 | 4,051 |
| Average earning assets | $75,792,000 | 4,059 |
| Average equity | $6,858,000 | 4,141 |
| Average total loans | $8,449,000 | 4,553 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5515% | 4,482 |
| Cost of funding earning assets | 0.0875% | 4,440 |
| Net interest margin | 2.4640% | 4,314 |
| Noninterest income to average assets | 1.4800% | 351 |
| Noninterest expense to average assets | 2.3681% | 2,524 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1095% | 2,130 |
| Return on assets (ROA) | 1.1095% | 2,066 |
| Pretax return on assets | 1.3164% | 2,028 |
| Return on Equity (ROE) | 12.2000% | 2,075 |
| Retained earnings to average equity (ytd only) | 8.2286% | 1,748 |
| Net charge-offs to loans | 0.0230% | 1,601 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 547.0000% | 314 |
| Efficiency ratio | 64.2717% | 2,460 |
| Assets per employee ($millions) | 4.6422% | 3,943 |
| Cash dividends to net income (ytd only)* | 32.5380% | 2,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2336% | 2,229 |
| Loan loss allowance to noncurrent loans | 1,628.5714% | 689 |
| Noncurrent assets plus other real estate owned to assets | 0.0084% | 3,819 |
| Noncurrent loans to loans | 0.0757% | 3,220 |
| Net loans and leases to total assets | 10.9200% | 4,603 |
| Net loans and leases to deposits | 11.9435% | 4,606 |
| Net loans and leases to core deposits | 12.1483% | 4,595 |
| Total domestic deposits to total assets | 91.4500% | 793 |
| Equity capital to assets | 8.1391% | 2,970 |
| Core capital (leverage) ratio | 12.5665% | 1,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 47.2713% | 115 |
| Memoranda: | ||
| Average total assets | $83,103,000 | 4,091 |
| Average earning assets | $74,309,200 | 4,107 |
| Average equity | $7,559,000 | 4,144 |
| Average total loans | $8,691,600 | 4,581 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2375% | 4,559 |
| Cost of funding earning assets | 0.0647% | 4,504 |
| Net interest margin | 2.1728% | 4,479 |
| Noninterest income to average assets | 1.1800% | 513 |
| Noninterest expense to average assets | 2.2589% | 2,761 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8419% | 3,093 |
| Return on assets (ROA) | 0.8419% | 3,067 |
| Pretax return on assets | 0.8595% | 3,451 |
| Return on Equity (ROE) | 9.0200% | 3,028 |
| Retained earnings to average equity (ytd only) | 9.0166% | 1,647 |
| Net charge-offs to loans | 0.0156% | 1,550 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 535.0000% | 295 |
| Efficiency ratio | 72.4369% | 1,456 |
| Assets per employee ($millions) | 4.6324% | 3,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3948% | 1,623 |
| Loan loss allowance to noncurrent loans | 11,500.0000% | 128 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 4,028 |
| Noncurrent loans to loans | 0.0121% | 3,854 |
| Net loans and leases to total assets | 9.7500% | 4,648 |
| Net loans and leases to deposits | 10.5569% | 4,653 |
| Net loans and leases to core deposits | 10.7364% | 4,638 |
| Total domestic deposits to total assets | 92.3600% | 762 |
| Equity capital to assets | 7.5602% | 3,181 |
| Core capital (leverage) ratio | 12.4641% | 1,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 50.2469% | 110 |
| Memoranda: | ||
| Average total assets | $82,988,750 | 4,120 |
| Average earning assets | $74,188,250 | 4,138 |
| Average equity | $7,748,500 | 4,167 |
| Average total loans | $8,554,250 | 4,618 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0405% | 4,610 |
| Cost of funding earning assets | 0.0514% | 4,590 |
| Net interest margin | 1.9890% | 4,563 |
| Noninterest income to average assets | 1.1610% | 507 |
| Noninterest expense to average assets | 2.2279% | 2,764 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6903% | 3,337 |
| Return on assets (ROA) | 0.6903% | 3,291 |
| Pretax return on assets | 0.7072% | 3,554 |
| Return on Equity (ROE) | 6.9502% | 3,326 |
| Retained earnings to average equity (ytd only) | 6.9502% | 2,005 |
| Net charge-offs to loans | 0.0231% | 1,262 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 293.0000% | 413 |
| Efficiency ratio | 75.9046% | 1,298 |
| Assets per employee ($millions) | 4.8346% | 3,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4117% | 1,705 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 9.7715% | 4,711 |
| Net loans and leases to deposits | 10.5904% | 4,717 |
| Net loans and leases to core deposits | 10.8496% | 4,707 |
| Total domestic deposits to total assets | 92.2677% | 738 |
| Equity capital to assets | 7.6130% | 3,397 |
| Core capital (leverage) ratio | 12.2561% | 1,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 48.7743% | 79 |
| Memoranda: | ||
| Average total assets | $82,857,000 | 4,162 |
| Average earning assets | $73,905,000 | 4,193 |
| Average equity | $8,230,000 | 4,178 |
| Average total loans | $8,657,333 | 4,684 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9062% | 4,639 |
| Cost of funding earning assets | 0.0486% | 4,614 |
| Net interest margin | 1.8576% | 4,597 |
| Noninterest income to average assets | 1.1323% | 532 |
| Noninterest expense to average assets | 2.2064% | 2,824 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5783% | 3,474 |
| Return on assets (ROA) | 0.5783% | 3,448 |
| Pretax return on assets | 0.5978% | 3,639 |
| Return on Equity (ROE) | 5.6458% | 3,439 |
| Retained earnings to average equity (ytd only) | 5.6458% | 2,368 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6828% | 1,255 |
| Assets per employee ($millions) | 4.9785% | 3,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4378% | 1,769 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 9.3958% | 4,738 |
| Net loans and leases to deposits | 10.3312% | 4,742 |
| Net loans and leases to core deposits | 10.5800% | 4,734 |
| Total domestic deposits to total assets | 90.9457% | 1,062 |
| Equity capital to assets | 8.9598% | 2,743 |
| Core capital (leverage) ratio | 11.6831% | 1,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.3141% | 84 |
| Memoranda: | ||
| Average total assets | $82,307,500 | 4,190 |
| Average earning assets | $74,072,500 | 4,211 |
| Average equity | $8,431,000 | 4,223 |
| Average total loans | $8,913,000 | 4,704 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8146% | 4,713 |
| Cost of funding earning assets | 0.0672% | 4,602 |
| Net interest margin | 1.7474% | 4,679 |
| Noninterest income to average assets | 1.5903% | 445 |
| Noninterest expense to average assets | 2.3030% | 2,787 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7549% | 3,475 |
| Return on assets (ROA) | 0.7549% | 3,537 |
| Pretax return on assets | 0.8664% | 3,578 |
| Return on Equity (ROE) | 6.3266% | 3,698 |
| Retained earnings to average equity (ytd only) | 3.2101% | 3,547 |
| Net charge-offs to loans | 0.0929% | 899 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 87.3750% | 949 |
| Efficiency ratio | 72.6633% | 1,438 |
| Assets per employee ($millions) | 4.4434% | 4,157 |
| Cash dividends to net income (ytd only)* | 49.2611% | 1,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1888% | 2,935 |
| Loan loss allowance to noncurrent loans | 5,800.0000% | 227 |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 4,171 |
| Noncurrent loans to loans | 0.0205% | 3,923 |
| Net loans and leases to total assets | 12.0554% | 4,773 |
| Net loans and leases to deposits | 13.7177% | 4,773 |
| Net loans and leases to core deposits | 14.0802% | 4,767 |
| Total domestic deposits to total assets | 87.8821% | 2,112 |
| Equity capital to assets | 11.6015% | 1,457 |
| Core capital (leverage) ratio | 12.0255% | 1,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.8966% | 95 |
| Memoranda: | ||
| Average total assets | $80,677,800 | 4,210 |
| Average earning assets | $72,908,400 | 4,216 |
| Average equity | $9,626,000 | 4,179 |
| Average total loans | $8,614,800 | 4,748 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7662% | 4,806 |
| Cost of funding earning assets | 0.0710% | 4,685 |
| Net interest margin | 1.6952% | 4,770 |
| Noninterest income to average assets | 1.1989% | 788 |
| Noninterest expense to average assets | 2.2130% | 3,029 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.5145% | 4,175 |
| Return on assets (ROA) | 0.5145% | 4,219 |
| Pretax return on assets | 0.5211% | 4,342 |
| Return on Equity (ROE) | 4.2829% | 4,259 |
| Retained earnings to average equity (ytd only) | 4.2829% | 3,481 |
| Net charge-offs to loans | 0.0640% | 1,004 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 79.0000% | 989 |
| Efficiency ratio | 80.9409% | 701 |
| Assets per employee ($millions) | 4.2739% | 4,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4693% | 1,752 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 9.9096% | 4,852 |
| Net loans and leases to deposits | 11.2991% | 4,857 |
| Net loans and leases to core deposits | 11.5938% | 4,848 |
| Total domestic deposits to total assets | 87.7026% | 2,007 |
| Equity capital to assets | 12.0462% | 1,378 |
| Core capital (leverage) ratio | 12.2219% | 1,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 49.0747% | 90 |
| Memoranda: | ||
| Average total assets | $80,852,000 | 4,257 |
| Average earning assets | $73,223,000 | 4,271 |
| Average equity | $9,712,750 | 4,222 |
| Average total loans | $8,329,000 | 4,819 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7179% | 4,850 |
| Cost of funding earning assets | 0.0737% | 4,724 |
| Net interest margin | 1.6442% | 4,825 |
| Noninterest income to average assets | 1.1816% | 819 |
| Noninterest expense to average assets | 2.2444% | 2,941 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.4236% | 4,339 |
| Return on assets (ROA) | 0.4261% | 4,379 |
| Pretax return on assets | 0.4310% | 4,475 |
| Return on Equity (ROE) | 3.5502% | 4,404 |
| Retained earnings to average equity (ytd only) | 3.5502% | 3,667 |
| Net charge-offs to loans | 0.0954% | 760 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 43.2500% | 1,124 |
| Efficiency ratio | 83.9666% | 552 |
| Assets per employee ($millions) | 4.7584% | 3,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4861% | 1,641 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 9.8340% | 4,892 |
| Net loans and leases to deposits | 11.1834% | 4,897 |
| Net loans and leases to core deposits | 11.4751% | 4,888 |
| Total domestic deposits to total assets | 87.9334% | 1,863 |
| Equity capital to assets | 11.8366% | 1,442 |
| Core capital (leverage) ratio | 11.9776% | 1,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 49.8588% | 83 |
| Memoranda: | ||
| Average total assets | $80,734,667 | 4,278 |
| Average earning assets | $73,227,000 | 4,295 |
| Average equity | $9,689,667 | 4,240 |
| Average total loans | $8,383,000 | 4,857 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7319% | 4,881 |
| Cost of funding earning assets | 0.0767% | 4,763 |
| Net interest margin | 1.6551% | 4,851 |
| Noninterest income to average assets | 1.1307% | 940 |
| Noninterest expense to average assets | 2.1970% | 3,122 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4266% | 4,319 |
| Return on assets (ROA) | 0.4315% | 4,340 |
| Pretax return on assets | 0.4364% | 4,437 |
| Return on Equity (ROE) | 3.5703% | 4,363 |
| Retained earnings to average equity (ytd only) | 3.5703% | 3,617 |
| Net charge-offs to loans | 0.0937% | 718 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 43.5000% | 956 |
| Efficiency ratio | 83.5849% | 620 |
| Assets per employee ($millions) | 4.5165% | 4,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5647% | 1,384 |
| Loan loss allowance to noncurrent loans | 6,100.0000% | 164 |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 4,392 |
| Noncurrent loans to loans | 0.0257% | 4,161 |
| Net loans and leases to total assets | 9.4407% | 4,923 |
| Net loans and leases to deposits | 10.7361% | 4,925 |
| Net loans and leases to core deposits | 11.1465% | 4,919 |
| Total domestic deposits to total assets | 87.9344% | 1,878 |
| Equity capital to assets | 11.7975% | 1,393 |
| Core capital (leverage) ratio | 11.9679% | 1,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 50.6564% | 80 |
| Memoranda: | ||
| Average total assets | $80,655,500 | 4,295 |
| Average earning assets | $72,985,500 | 4,313 |
| Average equity | $9,747,000 | 4,238 |
| Average total loans | $8,537,000 | 4,877 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1705% | 4,900 |
| Cost of funding earning assets | 0.1893% | 4,618 |
| Net interest margin | 1.9812% | 4,833 |
| Noninterest income to average assets | 1.1665% | 803 |
| Noninterest expense to average assets | 2.4225% | 3,082 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.5180% | 3,989 |
| Return on assets (ROA) | 0.5180% | 4,075 |
| Pretax return on assets | 0.5244% | 4,228 |
| Return on Equity (ROE) | 3.9740% | 4,164 |
| Retained earnings to average equity (ytd only) | 1.8153% | 3,901 |
| Net charge-offs to loans | 0.0465% | 2,137 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 102.5000% | 772 |
| Efficiency ratio | 82.2049% | 738 |
| Assets per employee ($millions) | 4.0302% | 4,351 |
| Cash dividends to net income (ytd only)* | 54.3210% | 1,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3366% | 2,248 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 11.3555% | 4,937 |
| Net loans and leases to deposits | 13.1501% | 4,942 |
| Net loans and leases to core deposits | 13.7391% | 4,934 |
| Total domestic deposits to total assets | 86.3530% | 2,208 |
| Equity capital to assets | 12.8505% | 1,157 |
| Core capital (leverage) ratio | 11.9988% | 1,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.9118% | 96 |
| Memoranda: | ||
| Average total assets | $78,184,800 | 4,263 |
| Average earning assets | $70,260,200 | 4,293 |
| Average equity | $10,191,200 | 4,175 |
| Average total loans | $8,610,400 | 4,906 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2724% | 4,937 |
| Cost of funding earning assets | 0.2198% | 4,607 |
| Net interest margin | 2.0527% | 4,867 |
| Noninterest income to average assets | 1.1583% | 784 |
| Noninterest expense to average assets | 2.4232% | 3,071 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.5809% | 3,827 |
| Return on assets (ROA) | 0.5809% | 3,926 |
| Pretax return on assets | 0.5809% | 4,135 |
| Return on Equity (ROE) | 4.4402% | 4,045 |
| Retained earnings to average equity (ytd only) | 4.4402% | 2,830 |
| Net charge-offs to loans | 0.0632% | 1,704 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 84.5000% | 890 |
| Efficiency ratio | 80.6636% | 826 |
| Assets per employee ($millions) | 3.8249% | 4,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5335% | 1,291 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 9.9125% | 4,980 |
| Net loans and leases to deposits | 11.5043% | 4,984 |
| Net loans and leases to core deposits | 12.0219% | 4,979 |
| Total domestic deposits to total assets | 86.1634% | 1,996 |
| Equity capital to assets | 13.2254% | 1,094 |
| Core capital (leverage) ratio | 12.2228% | 1,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 52.4172% | 80 |
| Memoranda: | ||
| Average total assets | $77,580,000 | 4,280 |
| Average earning assets | $69,761,500 | 4,312 |
| Average equity | $10,149,500 | 4,192 |
| Average total loans | $8,443,750 | 4,941 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4613% | 4,974 |
| Cost of funding earning assets | 0.2595% | 4,597 |
| Net interest margin | 2.2018% | 4,878 |
| Noninterest income to average assets | 1.1818% | 713 |
| Noninterest expense to average assets | 2.4444% | 3,126 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.7070% | 3,374 |
| Return on assets (ROA) | 0.7096% | 3,475 |
| Pretax return on assets | 0.7096% | 3,850 |
| Return on Equity (ROE) | 5.4445% | 3,701 |
| Retained earnings to average equity (ytd only) | 5.4445% | 2,296 |
| Net charge-offs to loans | 0.0701% | 1,550 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 90.3333% | 747 |
| Efficiency ratio | 77.5662% | 1,095 |
| Assets per employee ($millions) | 3.7973% | 4,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5713% | 1,075 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 9.8189% | 5,015 |
| Net loans and leases to deposits | 11.4198% | 5,021 |
| Net loans and leases to core deposits | 11.8739% | 5,013 |
| Total domestic deposits to total assets | 85.9814% | 2,015 |
| Equity capital to assets | 13.3565% | 1,016 |
| Core capital (leverage) ratio | 12.2604% | 1,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 52.7050% | 75 |
| Memoranda: | ||
| Average total assets | $76,665,667 | 4,300 |
| Average earning assets | $68,581,333 | 4,337 |
| Average equity | $9,991,667 | 4,219 |
| Average total loans | $8,563,000 | 4,972 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8065% | 4,999 |
| Cost of funding earning assets | 0.3211% | 4,593 |
| Net interest margin | 2.4855% | 4,836 |
| Noninterest income to average assets | 1.3098% | 524 |
| Noninterest expense to average assets | 2.5344% | 3,171 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0010% | 2,171 |
| Return on assets (ROA) | 1.0063% | 2,261 |
| Pretax return on assets | 1.0063% | 2,826 |
| Return on Equity (ROE) | 7.8245% | 2,588 |
| Retained earnings to average equity (ytd only) | 7.8245% | 1,286 |
| Net charge-offs to loans | -0.0451% | 4,602 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6867% | 2,126 |
| Assets per employee ($millions) | 3.5626% | 4,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5755% | 1,134 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 10.7719% | 5,059 |
| Net loans and leases to deposits | 12.4718% | 5,059 |
| Net loans and leases to core deposits | 12.8267% | 5,054 |
| Total domestic deposits to total assets | 86.3704% | 1,840 |
| Equity capital to assets | 13.0575% | 1,402 |
| Core capital (leverage) ratio | 12.3349% | 1,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 52.9796% | 79 |
| Memoranda: | ||
| Average total assets | $75,126,500 | 4,324 |
| Average earning assets | $67,271,500 | 4,365 |
| Average equity | $9,662,000 | 4,274 |
| Average total loans | $8,867,000 | 5,012 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0930% | 5,033 |
| Cost of funding earning assets | 0.3590% | 4,573 |
| Net interest margin | 2.7340% | 4,813 |
| Noninterest income to average assets | 1.5607% | 379 |
| Noninterest expense to average assets | 2.8888% | 2,324 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.9740% | 2,934 |
| Return on assets (ROA) | 0.9727% | 3,025 |
| Pretax return on assets | 1.0985% | 3,171 |
| Return on Equity (ROE) | 7.2915% | 3,449 |
| Retained earnings to average equity (ytd only) | 2.4671% | 3,795 |
| Net charge-offs to loans | 0.0434% | 2,522 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 188.0000% | 415 |
| Efficiency ratio | 72.4239% | 1,807 |
| Assets per employee ($millions) | 3.4175% | 4,554 |
| Cash dividends to net income (ytd only)* | 66.1654% | 1,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3409% | 1,741 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 12.5264% | 5,112 |
| Net loans and leases to deposits | 14.4690% | 5,117 |
| Net loans and leases to core deposits | 14.8777% | 5,111 |
| Total domestic deposits to total assets | 86.5744% | 1,818 |
| Equity capital to assets | 12.4373% | 1,861 |
| Core capital (leverage) ratio | 12.8805% | 1,293 |
| Tier 1 risk-based capital ratio | 48.2079% | 146 |
| Total risk-based capital ratio | 48.8699% | 146 |
| Memoranda: | ||
| Average total assets | $68,368,400 | 4,455 |
| Average earning assets | $60,717,400 | 4,498 |
| Average equity | $9,120,200 | 4,360 |
| Average total loans | $9,220,200 | 5,065 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2147% | 5,088 |
| Cost of funding earning assets | 0.3688% | 4,603 |
| Net interest margin | 2.8459% | 4,814 |
| Noninterest income to average assets | 1.5480% | 380 |
| Noninterest expense to average assets | 2.9320% | 2,155 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1320% | 2,441 |
| Return on assets (ROA) | 1.1300% | 2,547 |
| Pretax return on assets | 1.1300% | 3,203 |
| Return on Equity (ROE) | 8.3124% | 3,189 |
| Retained earnings to average equity (ytd only) | 8.3124% | 1,279 |
| Net charge-offs to loans | 0.0583% | 1,991 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 141.5854% | 563 |
| Efficiency ratio | 72.1457% | 1,817 |
| Assets per employee ($millions) | 3.1469% | 4,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4644% | 1,351 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 12.4410% | 5,192 |
| Net loans and leases to deposits | 14.5544% | 5,195 |
| Net loans and leases to core deposits | 15.0073% | 5,189 |
| Total domestic deposits to total assets | 85.4790% | 2,223 |
| Equity capital to assets | 14.0313% | 1,137 |
| Core capital (leverage) ratio | 14.6016% | 834 |
| Tier 1 risk-based capital ratio | 52.4539% | 120 |
| Total risk-based capital ratio | 53.1488% | 122 |
| Memoranda: | ||
| Average total assets | $66,664,250 | 4,539 |
| Average earning assets | $58,936,750 | 4,593 |
| Average equity | $9,062,500 | 4,414 |
| Average total loans | $9,138,750 | 5,148 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2820% | 5,129 |
| Cost of funding earning assets | 0.3685% | 4,624 |
| Net interest margin | 2.9135% | 4,811 |
| Noninterest income to average assets | 1.5499% | 382 |
| Noninterest expense to average assets | 2.9753% | 2,072 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1457% | 2,341 |
| Return on assets (ROA) | 1.1457% | 2,417 |
| Pretax return on assets | 1.1457% | 3,093 |
| Return on Equity (ROE) | 8.5243% | 3,052 |
| Retained earnings to average equity (ytd only) | 8.5243% | 1,193 |
| Net charge-offs to loans | 0.0431% | 2,038 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 188.5000% | 412 |
| Efficiency ratio | 72.1976% | 1,890 |
| Assets per employee ($millions) | 3.1460% | 4,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4941% | 1,295 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 12.9734% | 5,239 |
| Net loans and leases to deposits | 15.2103% | 5,242 |
| Net loans and leases to core deposits | 15.7067% | 5,238 |
| Total domestic deposits to total assets | 85.2935% | 2,347 |
| Equity capital to assets | 14.2676% | 1,023 |
| Core capital (leverage) ratio | 14.2719% | 888 |
| Tier 1 risk-based capital ratio | 50.1748% | 134 |
| Total risk-based capital ratio | 50.8634% | 141 |
| Memoranda: | ||
| Average total assets | $65,808,670 | 4,590 |
| Average earning assets | $58,074,670 | 4,646 |
| Average equity | $8,845,330 | 4,461 |
| Average total loans | $9,271,330 | 5,193 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2711% | 5,186 |
| Cost of funding earning assets | 0.3596% | 4,648 |
| Net interest margin | 2.9115% | 4,866 |
| Noninterest income to average assets | 1.5104% | 382 |
| Noninterest expense to average assets | 2.9415% | 2,151 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1328% | 2,340 |
| Return on assets (ROA) | 1.1328% | 2,390 |
| Pretax return on assets | 1.1328% | 3,035 |
| Return on Equity (ROE) | 8.6967% | 2,949 |
| Retained earnings to average equity (ytd only) | 8.6967% | 1,420 |
| Net charge-offs to loans | 0.0837% | 1,261 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 93.0000% | 699 |
| Efficiency ratio | 72.1973% | 2,013 |
| Assets per employee ($millions) | 3.3261% | 4,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5092% | 1,310 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 12.8516% | 5,302 |
| Net loans and leases to deposits | 14.8503% | 5,302 |
| Net loans and leases to core deposits | 15.3216% | 5,299 |
| Total domestic deposits to total assets | 86.5411% | 2,043 |
| Equity capital to assets | 13.2334% | 1,331 |
| Core capital (leverage) ratio | 14.0212% | 947 |
| Tier 1 risk-based capital ratio | 50.1295% | 128 |
| Total risk-based capital ratio | 50.8363% | 130 |
| Memoranda: | ||
| Average total assets | $65,680,000 | 4,643 |
| Average earning assets | $57,840,000 | 4,697 |
| Average equity | $8,555,000 | 4,532 |
| Average total loans | $9,556,500 | 5,249 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1103% | 5,185 |
| Cost of funding earning assets | 0.3373% | 4,365 |
| Net interest margin | 2.7730% | 5,046 |
| Noninterest income to average assets | 1.6497% | 354 |
| Noninterest expense to average assets | 3.0699% | 1,869 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.9405% | 3,285 |
| Return on assets (ROA) | 0.9799% | 3,099 |
| Pretax return on assets | 1.0435% | 3,461 |
| Return on Equity (ROE) | 7.3948% | 3,696 |
| Retained earnings to average equity (ytd only) | 2.2465% | 4,256 |
| Net charge-offs to loans | 0.0298% | 2,807 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 215.3333% | 428 |
| Efficiency ratio | 75.3998% | 1,441 |
| Assets per employee ($millions) | 3.0957% | 4,929 |
| Cash dividends to net income (ytd only)* | 69.6203% | 1,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2748% | 2,168 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 15.8440% | 5,333 |
| Net loans and leases to deposits | 18.3791% | 5,333 |
| Net loans and leases to core deposits | 18.9788% | 5,330 |
| Total domestic deposits to total assets | 86.2065% | 2,129 |
| Equity capital to assets | 13.0397% | 1,325 |
| Core capital (leverage) ratio | 14.2832% | 846 |
| Tier 1 risk-based capital ratio | 44.1051% | 184 |
| Total risk-based capital ratio | 44.7499% | 187 |
| Memoranda: | ||
| Average total assets | $64,496,600 | 4,683 |
| Average earning assets | $56,329,600 | 4,740 |
| Average equity | $8,546,600 | 4,522 |
| Average total loans | $10,067,000 | 5,286 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0657% | 5,263 |
| Cost of funding earning assets | 0.3314% | 4,299 |
| Net interest margin | 2.7342% | 5,141 |
| Noninterest income to average assets | 1.6157% | 376 |
| Noninterest expense to average assets | 3.0822% | 1,809 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9259% | 3,405 |
| Return on assets (ROA) | 0.9818% | 3,179 |
| Pretax return on assets | 0.9818% | 3,773 |
| Return on Equity (ROE) | 7.3795% | 3,790 |
| Retained earnings to average equity (ytd only) | 7.3795% | 1,940 |
| Net charge-offs to loans | 0.0268% | 2,575 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 223.2172% | 406 |
| Efficiency ratio | 76.8992% | 1,242 |
| Assets per employee ($millions) | 3.4847% | 4,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4034% | 1,682 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 15.0086% | 5,409 |
| Net loans and leases to deposits | 17.4143% | 5,408 |
| Net loans and leases to core deposits | 18.0041% | 5,405 |
| Total domestic deposits to total assets | 86.1855% | 2,104 |
| Equity capital to assets | 13.5355% | 1,121 |
| Core capital (leverage) ratio | 15.3768% | 618 |
| Tier 1 risk-based capital ratio | 47.7361% | 153 |
| Total risk-based capital ratio | 48.4263% | 154 |
| Memoranda: | ||
| Average total assets | $64,368,500 | 4,734 |
| Average earning assets | $56,321,250 | 4,792 |
| Average equity | $8,564,000 | 4,560 |
| Average total loans | $9,975,500 | 5,355 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0542% | 5,309 |
| Cost of funding earning assets | 0.3198% | 4,270 |
| Net interest margin | 2.7343% | 5,184 |
| Noninterest income to average assets | 1.5959% | 390 |
| Noninterest expense to average assets | 3.0470% | 1,916 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9458% | 3,253 |
| Return on assets (ROA) | 1.0290% | 2,900 |
| Pretax return on assets | 1.0290% | 3,573 |
| Return on Equity (ROE) | 7.7777% | 3,600 |
| Retained earnings to average equity (ytd only) | 7.7777% | 1,718 |
| Net charge-offs to loans | -0.0395% | 4,834 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3117% | 1,386 |
| Assets per employee ($millions) | 2.8759% | 5,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4380% | 1,610 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 15.5479% | 5,471 |
| Net loans and leases to deposits | 18.1548% | 5,471 |
| Net loans and leases to core deposits | 19.2162% | 5,468 |
| Total domestic deposits to total assets | 85.6410% | 2,438 |
| Equity capital to assets | 14.1405% | 896 |
| Core capital (leverage) ratio | 15.0960% | 648 |
| Tier 1 risk-based capital ratio | 46.9220% | 158 |
| Total risk-based capital ratio | 47.6225% | 158 |
| Memoranda: | ||
| Average total assets | $64,916,670 | 4,773 |
| Average earning assets | $56,906,000 | 4,840 |
| Average equity | $8,588,670 | 4,594 |
| Average total loans | $10,118,000 | 5,411 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9827% | 5,385 |
| Cost of funding earning assets | 0.3179% | 4,208 |
| Net interest margin | 2.6648% | 5,278 |
| Noninterest income to average assets | 1.5362% | 411 |
| Noninterest expense to average assets | 2.9176% | 2,297 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9646% | 3,010 |
| Return on assets (ROA) | 0.9884% | 2,927 |
| Pretax return on assets | 0.9884% | 3,575 |
| Return on Equity (ROE) | 7.7093% | 3,502 |
| Retained earnings to average equity (ytd only) | 7.7093% | 1,955 |
| Net charge-offs to loans | -0.0768% | 5,135 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1534% | 1,723 |
| Assets per employee ($millions) | 2.8397% | 5,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3984% | 1,849 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 15.4627% | 5,531 |
| Net loans and leases to deposits | 17.9347% | 5,532 |
| Net loans and leases to core deposits | 18.9375% | 5,528 |
| Total domestic deposits to total assets | 86.2164% | 2,440 |
| Equity capital to assets | 13.6171% | 1,009 |
| Core capital (leverage) ratio | 13.3446% | 1,056 |
| Tier 1 risk-based capital ratio | 45.4683% | 168 |
| Total risk-based capital ratio | 46.1569% | 170 |
| Memoranda: | ||
| Average total assets | $67,178,000 | 4,793 |
| Average earning assets | $59,141,000 | 4,847 |
| Average equity | $8,613,000 | 4,642 |
| Average total loans | $10,413,500 | 5,467 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9128% | 5,405 |
| Cost of funding earning assets | 0.3346% | 3,837 |
| Net interest margin | 2.5782% | 5,364 |
| Noninterest income to average assets | 1.4233% | 525 |
| Noninterest expense to average assets | 2.8480% | 2,616 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.1238% | 1,778 |
| Return on assets (ROA) | 1.1462% | 1,728 |
| Pretax return on assets | 0.8733% | 3,999 |
| Return on Equity (ROE) | 9.4287% | 2,126 |
| Retained earnings to average equity (ytd only) | 4.8237% | 2,240 |
| Net charge-offs to loans | 0.0195% | 3,453 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 304.0000% | 287 |
| Efficiency ratio | 76.9958% | 1,485 |
| Assets per employee ($millions) | 3.2676% | 4,975 |
| Cash dividends to net income (ytd only)* | 48.8400% | 2,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2239% | 2,641 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 15.1557% | 5,603 |
| Net loans and leases to deposits | 17.3892% | 5,606 |
| Net loans and leases to core deposits | 19.0113% | 5,599 |
| Total domestic deposits to total assets | 87.1562% | 1,915 |
| Equity capital to assets | 12.0884% | 1,770 |
| Core capital (leverage) ratio | 12.5354% | 1,336 |
| Tier 1 risk-based capital ratio | 40.7810% | 205 |
| Total risk-based capital ratio | 41.4005% | 210 |
| Memoranda: | ||
| Average total assets | $71,454,600 | 4,752 |
| Average earning assets | $63,067,000 | 4,803 |
| Average equity | $8,686,200 | 4,666 |
| Average total loans | $10,242,200 | 5,534 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8953% | 5,482 |
| Cost of funding earning assets | 0.3177% | 3,954 |
| Net interest margin | 2.5776% | 5,422 |
| Noninterest income to average assets | 1.3941% | 542 |
| Noninterest expense to average assets | 2.8330% | 2,621 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8353% | 3,358 |
| Return on assets (ROA) | 0.8652% | 3,250 |
| Pretax return on assets | 0.8652% | 4,155 |
| Return on Equity (ROE) | 7.1077% | 3,601 |
| Retained earnings to average equity (ytd only) | 7.1077% | 1,638 |
| Net charge-offs to loans | -0.0266% | 4,959 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2287% | 1,434 |
| Assets per employee ($millions) | 3.1748% | 5,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3434% | 2,149 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 14.6150% | 5,671 |
| Net loans and leases to deposits | 16.9360% | 5,674 |
| Net loans and leases to core deposits | 18.9289% | 5,665 |
| Total domestic deposits to total assets | 86.2956% | 2,184 |
| Equity capital to assets | 12.9199% | 1,433 |
| Core capital (leverage) ratio | 12.7591% | 1,312 |
| Tier 1 risk-based capital ratio | 42.4437% | 194 |
| Total risk-based capital ratio | 43.1043% | 196 |
| Memoranda: | ||
| Average total assets | $71,346,500 | 4,806 |
| Average earning assets | $62,951,500 | 4,854 |
| Average equity | $8,685,250 | 4,716 |
| Average total loans | $10,045,250 | 5,598 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8350% | 5,542 |
| Cost of funding earning assets | 0.3066% | 4,023 |
| Net interest margin | 2.5284% | 5,489 |
| Noninterest income to average assets | 1.3696% | 571 |
| Noninterest expense to average assets | 2.7948% | 2,783 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8017% | 3,394 |
| Return on assets (ROA) | 0.8462% | 3,219 |
| Pretax return on assets | 0.8462% | 4,108 |
| Return on Equity (ROE) | 7.0926% | 3,505 |
| Retained earnings to average equity (ytd only) | 7.0926% | 1,551 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7090% | 1,506 |
| Assets per employee ($millions) | 3.4326% | 4,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3291% | 2,277 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 14.1099% | 5,723 |
| Net loans and leases to deposits | 16.2523% | 5,727 |
| Net loans and leases to core deposits | 20.9400% | 5,699 |
| Total domestic deposits to total assets | 86.8182% | 2,035 |
| Equity capital to assets | 12.4077% | 1,663 |
| Core capital (leverage) ratio | 12.2006% | 1,534 |
| Tier 1 risk-based capital ratio | 40.5906% | 203 |
| Total risk-based capital ratio | 41.2247% | 206 |
| Memoranda: | ||
| Average total assets | $71,846,670 | 4,826 |
| Average earning assets | $63,280,330 | 4,882 |
| Average equity | $8,572,330 | 4,758 |
| Average total loans | $9,944,670 | 5,649 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7875% | 5,604 |
| Cost of funding earning assets | 0.3041% | 4,003 |
| Net interest margin | 2.4834% | 5,560 |
| Noninterest income to average assets | 1.3718% | 560 |
| Noninterest expense to average assets | 2.7381% | 2,997 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8198% | 3,126 |
| Return on assets (ROA) | 0.8198% | 3,183 |
| Pretax return on assets | 0.8198% | 4,039 |
| Return on Equity (ROE) | 7.0113% | 3,394 |
| Retained earnings to average equity (ytd only) | 7.0113% | 1,844 |
| Net charge-offs to loans | -0.0410% | 5,086 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9592% | 1,763 |
| Assets per employee ($millions) | 3.1896% | 5,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4585% | 1,835 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 12.7098% | 5,798 |
| Net loans and leases to deposits | 14.4697% | 5,800 |
| Net loans and leases to core deposits | 18.6693% | 5,777 |
| Total domestic deposits to total assets | 87.8369% | 1,807 |
| Equity capital to assets | 11.6274% | 2,092 |
| Core capital (leverage) ratio | 11.9089% | 1,685 |
| Tier 1 risk-based capital ratio | 40.9681% | 211 |
| Total risk-based capital ratio | 41.6243% | 216 |
| Memoranda: | ||
| Average total assets | $71,728,000 | 4,875 |
| Average earning assets | $63,139,500 | 4,937 |
| Average equity | $8,386,500 | 4,829 |
| Average total loans | $9,763,000 | 5,715 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7595% | 5,665 |
| Cost of funding earning assets | 0.2463% | 4,599 |
| Net interest margin | 2.5132% | 5,582 |
| Noninterest income to average assets | 1.3154% | 659 |
| Noninterest expense to average assets | 2.5878% | 3,712 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9924% | 2,380 |
| Return on assets (ROA) | 1.0465% | 2,261 |
| Pretax return on assets | 1.0021% | 3,469 |
| Return on Equity (ROE) | 8.4833% | 2,683 |
| Retained earnings to average equity (ytd only) | 2.8652% | 3,857 |
| Net charge-offs to loans | 0.0988% | 2,297 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 68.4000% | 809 |
| Efficiency ratio | 73.1870% | 2,394 |
| Assets per employee ($millions) | 3.1861% | 5,164 |
| Cash dividends to net income (ytd only)* | 66.2252% | 1,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3613% | 2,262 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 14.1622% | 5,849 |
| Net loans and leases to deposits | 16.2530% | 5,852 |
| Net loans and leases to core deposits | 20.6383% | 5,828 |
| Total domestic deposits to total assets | 87.1360% | 2,071 |
| Equity capital to assets | 11.7598% | 1,963 |
| Core capital (leverage) ratio | 12.0850% | 1,553 |
| Tier 1 risk-based capital ratio | 38.8644% | 240 |
| Total risk-based capital ratio | 39.4933% | 244 |
| Memoranda: | ||
| Average total assets | $72,145,800 | 4,886 |
| Average earning assets | $63,743,200 | 4,948 |
| Average equity | $8,899,800 | 4,780 |
| Average total loans | $10,118,600 | 5,764 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7396% | 5,745 |
| Cost of funding earning assets | 0.2385% | 4,721 |
| Net interest margin | 2.5011% | 5,655 |
| Noninterest income to average assets | 1.3047% | 680 |
| Noninterest expense to average assets | 2.6314% | 3,561 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8426% | 3,186 |
| Return on assets (ROA) | 0.9193% | 2,933 |
| Pretax return on assets | 0.9671% | 3,754 |
| Return on Equity (ROE) | 7.3696% | 3,371 |
| Retained earnings to average equity (ytd only) | 7.3696% | 1,451 |
| Net charge-offs to loans | 0.0921% | 2,033 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 69.0225% | 864 |
| Efficiency ratio | 74.8044% | 2,143 |
| Assets per employee ($millions) | 3.1946% | 5,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4760% | 1,859 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 13.2966% | 5,919 |
| Net loans and leases to deposits | 15.5287% | 5,921 |
| Net loans and leases to core deposits | 19.7941% | 5,902 |
| Total domestic deposits to total assets | 85.6263% | 2,546 |
| Equity capital to assets | 13.1799% | 1,397 |
| Core capital (leverage) ratio | 12.2732% | 1,494 |
| Tier 1 risk-based capital ratio | 40.7101% | 215 |
| Total risk-based capital ratio | 41.3642% | 218 |
| Memoranda: | ||
| Average total assets | $72,658,500 | 4,913 |
| Average earning assets | $64,290,250 | 4,975 |
| Average equity | $9,064,000 | 4,797 |
| Average total loans | $10,132,250 | 5,830 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6995% | 5,844 |
| Cost of funding earning assets | 0.2178% | 4,966 |
| Net interest margin | 2.4817% | 5,755 |
| Noninterest income to average assets | 1.2716% | 705 |
| Noninterest expense to average assets | 2.5895% | 3,757 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8440% | 3,116 |
| Return on assets (ROA) | 0.9448% | 2,791 |
| Pretax return on assets | 0.9911% | 3,620 |
| Return on Equity (ROE) | 7.7131% | 3,136 |
| Retained earnings to average equity (ytd only) | 7.7131% | 1,283 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5298% | 2,287 |
| Assets per employee ($millions) | 3.4631% | 4,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4804% | 1,939 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 13.5426% | 5,997 |
| Net loans and leases to deposits | 15.7189% | 5,998 |
| Net loans and leases to core deposits | 19.7232% | 5,978 |
| Total domestic deposits to total assets | 86.1549% | 2,350 |
| Equity capital to assets | 12.6763% | 1,672 |
| Core capital (leverage) ratio | 11.6394% | 1,880 |
| Tier 1 risk-based capital ratio | 39.9860% | 230 |
| Total risk-based capital ratio | 40.6774% | 238 |
| Memoranda: | ||
| Average total assets | $73,451,000 | 4,946 |
| Average earning assets | $65,198,000 | 5,002 |
| Average equity | $8,997,670 | 4,842 |
| Average total loans | $10,348,000 | 5,895 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7333% | 5,891 |
| Cost of funding earning assets | 0.2155% | 5,050 |
| Net interest margin | 2.5179% | 5,792 |
| Noninterest income to average assets | 1.2410% | 706 |
| Noninterest expense to average assets | 2.6282% | 3,662 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7833% | 3,329 |
| Return on assets (ROA) | 0.8400% | 3,165 |
| Pretax return on assets | 0.8887% | 3,894 |
| Return on Equity (ROE) | 6.9765% | 3,467 |
| Retained earnings to average equity (ytd only) | 6.9765% | 1,897 |
| Net charge-offs to loans | -0.0380% | 5,186 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0188% | 2,175 |
| Assets per employee ($millions) | 3.6193% | 4,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4862% | 2,052 |
| Loan loss allowance to noncurrent loans | 14,800.0000% | 56 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 5,688 |
| Noncurrent loans to loans | 0.0100% | 5,478 |
| Net loans and leases to total assets | 12.9070% | 6,058 |
| Net loans and leases to deposits | 14.8207% | 6,059 |
| Net loans and leases to core deposits | 18.7128% | 6,038 |
| Total domestic deposits to total assets | 87.0877% | 2,167 |
| Equity capital to assets | 11.8440% | 2,125 |
| Core capital (leverage) ratio | 11.4051% | 2,048 |
| Tier 1 risk-based capital ratio | 38.6770% | 256 |
| Total risk-based capital ratio | 39.3612% | 263 |
| Memoranda: | ||
| Average total assets | $73,813,500 | 4,980 |
| Average earning assets | $64,976,000 | 5,049 |
| Average equity | $8,887,000 | 4,892 |
| Average total loans | $10,523,500 | 5,953 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9557% | 5,766 |
| Cost of funding earning assets | 0.1681% | 5,549 |
| Net interest margin | 2.7877% | 5,538 |
| Noninterest income to average assets | 1.4041% | 613 |
| Noninterest expense to average assets | 2.6884% | 3,619 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1717% | 1,664 |
| Return on assets (ROA) | 1.2444% | 1,457 |
| Pretax return on assets | 1.2473% | 2,478 |
| Return on Equity (ROE) | 9.8856% | 2,052 |
| Retained earnings to average equity (ytd only) | 3.9973% | 3,182 |
| Net charge-offs to loans | 0.2045% | 1,434 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 37.4545% | 1,234 |
| Efficiency ratio | 69.5941% | 3,289 |
| Assets per employee ($millions) | 3.1140% | 5,398 |
| Cash dividends to net income (ytd only)* | 59.5647% | 1,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3256% | 2,769 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 15.2774% | 6,103 |
| Net loans and leases to deposits | 17.7532% | 6,110 |
| Net loans and leases to core deposits | 21.5076% | 6,084 |
| Total domestic deposits to total assets | 86.0546% | 2,615 |
| Equity capital to assets | 12.2476% | 1,779 |
| Core capital (leverage) ratio | 12.0418% | 1,594 |
| Tier 1 risk-based capital ratio | 35.8728% | 316 |
| Total risk-based capital ratio | 36.5149% | 327 |
| Memoranda: | ||
| Average total assets | $70,152,800 | 5,092 |
| Average earning assets | $61,879,800 | 5,129 |
| Average equity | $8,831,000 | 4,888 |
| Average total loans | $10,757,600 | 6,002 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9892% | 5,817 |
| Cost of funding earning assets | 0.1645% | 5,669 |
| Net interest margin | 2.8247% | 5,536 |
| Noninterest income to average assets | 1.4100% | 627 |
| Noninterest expense to average assets | 2.7818% | 3,264 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0746% | 2,116 |
| Return on assets (ROA) | 1.1406% | 1,927 |
| Pretax return on assets | 1.1903% | 2,853 |
| Return on Equity (ROE) | 8.9984% | 2,581 |
| Retained earnings to average equity (ytd only) | 8.9984% | 907 |
| Net charge-offs to loans | 0.1623% | 1,527 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 45.1616% | 1,127 |
| Efficiency ratio | 71.2677% | 2,999 |
| Assets per employee ($millions) | 2.7509% | 5,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4854% | 2,216 |
| Loan loss allowance to noncurrent loans | 3,120.0000% | 233 |
| Noncurrent assets plus other real estate owned to assets | 0.0076% | 5,778 |
| Noncurrent loans to loans | 0.0476% | 5,428 |
| Net loans and leases to total assets | 15.6708% | 6,188 |
| Net loans and leases to deposits | 18.4542% | 6,199 |
| Net loans and leases to core deposits | 21.1091% | 6,177 |
| Total domestic deposits to total assets | 84.9169% | 3,047 |
| Equity capital to assets | 13.7411% | 1,128 |
| Core capital (leverage) ratio | 12.7179% | 1,308 |
| Tier 1 risk-based capital ratio | 38.0096% | 281 |
| Total risk-based capital ratio | 38.7108% | 290 |
| Memoranda: | ||
| Average total assets | $69,785,500 | 5,164 |
| Average earning assets | $61,597,500 | 5,200 |
| Average equity | $8,845,750 | 4,944 |
| Average total loans | $10,674,750 | 6,083 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9227% | 5,920 |
| Cost of funding earning assets | 0.1624% | 5,759 |
| Net interest margin | 2.7603% | 5,691 |
| Noninterest income to average assets | 1.3513% | 674 |
| Noninterest expense to average assets | 2.6914% | 3,621 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0566% | 2,117 |
| Return on assets (ROA) | 1.1458% | 1,863 |
| Pretax return on assets | 1.1937% | 2,801 |
| Return on Equity (ROE) | 9.2813% | 2,389 |
| Retained earnings to average equity (ytd only) | 9.2813% | 833 |
| Net charge-offs to loans | 0.0186% | 3,325 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 391.0000% | 174 |
| Efficiency ratio | 70.9725% | 3,162 |
| Assets per employee ($millions) | 2.7500% | 5,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6553% | 1,727 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 14.5180% | 6,268 |
| Net loans and leases to deposits | 16.8598% | 6,277 |
| Net loans and leases to core deposits | 17.8010% | 6,269 |
| Total domestic deposits to total assets | 86.1103% | 2,635 |
| Equity capital to assets | 12.7522% | 1,517 |
| Core capital (leverage) ratio | 11.6661% | 1,866 |
| Tier 1 risk-based capital ratio | 36.7268% | 321 |
| Total risk-based capital ratio | 37.4733% | 328 |
| Memoranda: | ||
| Average total assets | $71,040,330 | 5,181 |
| Average earning assets | $62,818,670 | 5,230 |
| Average equity | $8,770,330 | 4,998 |
| Average total loans | $10,732,330 | 6,150 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8595% | 6,024 |
| Cost of funding earning assets | 0.1571% | 5,867 |
| Net interest margin | 2.7024% | 5,802 |
| Noninterest income to average assets | 1.2911% | 691 |
| Noninterest expense to average assets | 2.6543% | 3,733 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9764% | 2,355 |
| Return on assets (ROA) | 1.1360% | 1,846 |
| Pretax return on assets | 1.1858% | 2,726 |
| Return on Equity (ROE) | 9.3479% | 2,287 |
| Retained earnings to average equity (ytd only) | 9.3479% | 1,085 |
| Net charge-offs to loans | -0.0363% | 5,360 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2474% | 3,128 |
| Assets per employee ($millions) | 2.8545% | 5,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6435% | 1,912 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 13.7084% | 6,335 |
| Net loans and leases to deposits | 15.8060% | 6,345 |
| Net loans and leases to core deposits | 16.6125% | 6,338 |
| Total domestic deposits to total assets | 86.7295% | 2,536 |
| Equity capital to assets | 12.0107% | 2,018 |
| Core capital (leverage) ratio | 11.0077% | 2,403 |
| Tier 1 risk-based capital ratio | 35.9538% | 335 |
| Total risk-based capital ratio | 36.7119% | 348 |
| Memoranda: | ||
| Average total assets | $72,186,000 | 5,193 |
| Average earning assets | $63,647,500 | 5,257 |
| Average equity | $8,772,000 | 5,044 |
| Average total loans | $11,024,000 | 6,204 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2080% | 5,828 |
| Cost of funding earning assets | 0.2024% | 5,720 |
| Net interest margin | 3.0056% | 5,440 |
| Noninterest income to average assets | 1.5054% | 539 |
| Noninterest expense to average assets | 2.8792% | 3,209 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.2483% | 1,441 |
| Return on assets (ROA) | 1.2572% | 1,469 |
| Pretax return on assets | 1.2542% | 2,421 |
| Return on Equity (ROE) | 9.9470% | 2,146 |
| Retained earnings to average equity (ytd only) | 4.7429% | 2,801 |
| Net charge-offs to loans | 0.0195% | 4,459 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 416.5000% | 129 |
| Efficiency ratio | 69.8079% | 3,562 |
| Assets per employee ($millions) | 2.8062% | 5,922 |
| Cash dividends to net income (ytd only)* | 52.3187% | 2,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4440% | 2,720 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 16.4422% | 6,406 |
| Net loans and leases to deposits | 19.1411% | 6,413 |
| Net loans and leases to core deposits | 20.3299% | 6,400 |
| Total domestic deposits to total assets | 85.8998% | 2,898 |
| Equity capital to assets | 12.3013% | 1,783 |
| Core capital (leverage) ratio | 11.6939% | 1,831 |
| Tier 1 risk-based capital ratio | 34.1251% | 363 |
| Total risk-based capital ratio | 34.8589% | 373 |
| Memoranda: | ||
| Average total assets | $66,893,400 | 5,374 |
| Average earning assets | $58,292,000 | 5,448 |
| Average equity | $8,454,800 | 5,095 |
| Average total loans | $10,277,800 | 6,308 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2443% | 5,851 |
| Cost of funding earning assets | 0.2107% | 5,745 |
| Net interest margin | 3.0335% | 5,425 |
| Noninterest income to average assets | 1.5174% | 543 |
| Noninterest expense to average assets | 3.0448% | 2,661 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0634% | 2,183 |
| Return on assets (ROA) | 1.0634% | 2,248 |
| Pretax return on assets | 1.1158% | 3,130 |
| Return on Equity (ROE) | 8.3539% | 3,007 |
| Retained earnings to average equity (ytd only) | 8.3539% | 1,203 |
| Net charge-offs to loans | -0.0269% | 5,702 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1814% | 2,960 |
| Assets per employee ($millions) | 2.4177% | 6,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7188% | 1,914 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 15.7363% | 6,500 |
| Net loans and leases to deposits | 18.6846% | 6,501 |
| Net loans and leases to core deposits | 19.8862% | 6,493 |
| Total domestic deposits to total assets | 84.2207% | 3,675 |
| Equity capital to assets | 14.1216% | 962 |
| Core capital (leverage) ratio | 12.5442% | 1,384 |
| Tier 1 risk-based capital ratio | 37.6327% | 285 |
| Total risk-based capital ratio | 38.4453% | 292 |
| Memoranda: | ||
| Average total assets | $66,078,000 | 5,453 |
| Average earning assets | $57,577,000 | 5,528 |
| Average equity | $8,411,000 | 5,149 |
| Average total loans | $9,921,250 | 6,389 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2067% | 5,940 |
| Cost of funding earning assets | 0.2217% | 5,731 |
| Net interest margin | 2.9850% | 5,568 |
| Noninterest income to average assets | 1.4862% | 554 |
| Noninterest expense to average assets | 2.9546% | 2,985 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0871% | 1,982 |
| Return on assets (ROA) | 1.0871% | 2,040 |
| Pretax return on assets | 1.1377% | 2,941 |
| Return on Equity (ROE) | 8.8424% | 2,669 |
| Retained earnings to average equity (ytd only) | 8.8424% | 1,037 |
| Net charge-offs to loans | -0.0203% | 5,552 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1980% | 3,291 |
| Assets per employee ($millions) | 2.2809% | 6,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7375% | 2,014 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 14.7056% | 6,563 |
| Net loans and leases to deposits | 17.1965% | 6,577 |
| Net loans and leases to core deposits | 18.5839% | 6,561 |
| Total domestic deposits to total assets | 85.5152% | 3,278 |
| Equity capital to assets | 13.0547% | 1,346 |
| Core capital (leverage) ratio | 11.8249% | 1,771 |
| Tier 1 risk-based capital ratio | 36.7505% | 306 |
| Total risk-based capital ratio | 37.5556% | 309 |
| Memoranda: | ||
| Average total assets | $67,150,330 | 5,468 |
| Average earning assets | $58,627,330 | 5,543 |
| Average equity | $8,255,670 | 5,200 |
| Average total loans | $9,873,330 | 6,453 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2051% | 5,994 |
| Cost of funding earning assets | 0.2173% | 5,868 |
| Net interest margin | 2.9878% | 5,551 |
| Noninterest income to average assets | 1.4663% | 544 |
| Noninterest expense to average assets | 2.9444% | 3,067 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0702% | 1,929 |
| Return on assets (ROA) | 1.0702% | 1,996 |
| Pretax return on assets | 1.1234% | 2,802 |
| Return on Equity (ROE) | 8.9759% | 2,476 |
| Retained earnings to average equity (ytd only) | 8.9759% | 1,258 |
| Net charge-offs to loans | -0.1217% | 6,200 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3837% | 3,417 |
| Assets per employee ($millions) | 2.4673% | 6,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8768% | 1,818 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 13.0926% | 6,650 |
| Net loans and leases to deposits | 15.0705% | 6,655 |
| Net loans and leases to core deposits | 16.4847% | 6,642 |
| Total domestic deposits to total assets | 86.8756% | 2,891 |
| Equity capital to assets | 11.9490% | 1,903 |
| Core capital (leverage) ratio | 11.2367% | 2,186 |
| Tier 1 risk-based capital ratio | 37.1667% | 287 |
| Total risk-based capital ratio | 38.0054% | 291 |
| Memoranda: | ||
| Average total assets | $67,653,000 | 5,517 |
| Average earning assets | $58,906,000 | 5,592 |
| Average equity | $8,066,000 | 5,276 |
| Average total loans | $9,860,500 | 6,524 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3878% | 5,866 |
| Cost of funding earning assets | 0.2438% | 6,009 |
| Net interest margin | 3.1440% | 5,183 |
| Noninterest income to average assets | 1.4439% | 663 |
| Noninterest expense to average assets | 2.9799% | 3,112 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.2055% | 1,541 |
| Return on assets (ROA) | 1.2055% | 1,616 |
| Pretax return on assets | 1.2267% | 2,473 |
| Return on Equity (ROE) | 10.0188% | 2,102 |
| Retained earnings to average equity (ytd only) | 4.5016% | 2,977 |
| Net charge-offs to loans | 0.1084% | 3,743 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 73.9091% | 582 |
| Efficiency ratio | 70.8393% | 3,694 |
| Assets per employee ($millions) | 2.4526% | 6,429 |
| Cash dividends to net income (ytd only)* | 55.0688% | 2,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6281% | 2,653 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 15.6023% | 6,713 |
| Net loans and leases to deposits | 18.0478% | 6,721 |
| Net loans and leases to core deposits | 19.7477% | 6,705 |
| Total domestic deposits to total assets | 86.4499% | 3,024 |
| Equity capital to assets | 11.8950% | 1,871 |
| Core capital (leverage) ratio | 11.5100% | 1,956 |
| Tier 1 risk-based capital ratio | 34.3442% | 356 |
| Total risk-based capital ratio | 35.1287% | 361 |
| Memoranda: | ||
| Average total assets | $66,277,600 | 5,585 |
| Average earning assets | $58,238,200 | 5,650 |
| Average equity | $7,975,000 | 5,342 |
| Average total loans | $10,145,200 | 6,585 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3951% | 5,886 |
| Cost of funding earning assets | 0.2513% | 6,071 |
| Net interest margin | 3.1438% | 5,168 |
| Noninterest income to average assets | 1.4521% | 697 |
| Noninterest expense to average assets | 2.9948% | 3,012 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.2007% | 1,636 |
| Return on assets (ROA) | 1.2007% | 1,706 |
| Pretax return on assets | 1.2249% | 2,600 |
| Return on Equity (ROE) | 9.9504% | 2,203 |
| Retained earnings to average equity (ytd only) | 9.9504% | 798 |
| Net charge-offs to loans | 0.1591% | 2,959 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 50.7488% | 858 |
| Efficiency ratio | 70.9724% | 3,610 |
| Assets per employee ($millions) | 2.4828% | 6,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6738% | 2,715 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 15.5606% | 6,796 |
| Net loans and leases to deposits | 17.8438% | 6,802 |
| Net loans and leases to core deposits | 19.4924% | 6,795 |
| Total domestic deposits to total assets | 87.2045% | 2,569 |
| Equity capital to assets | 11.9234% | 1,968 |
| Core capital (leverage) ratio | 12.3416% | 1,498 |
| Tier 1 risk-based capital ratio | 37.1209% | 283 |
| Total risk-based capital ratio | 37.9428% | 291 |
| Memoranda: | ||
| Average total assets | $66,291,750 | 5,639 |
| Average earning assets | $58,357,500 | 5,702 |
| Average equity | $7,999,500 | 5,390 |
| Average total loans | $10,055,750 | 6,658 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3767% | 5,953 |
| Cost of funding earning assets | 0.2689% | 6,051 |
| Net interest margin | 3.1078% | 5,248 |
| Noninterest income to average assets | 1.4206% | 783 |
| Noninterest expense to average assets | 2.9729% | 3,083 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1275% | 1,826 |
| Return on assets (ROA) | 1.1275% | 1,944 |
| Pretax return on assets | 1.1784% | 2,770 |
| Return on Equity (ROE) | 9.3083% | 2,490 |
| Retained earnings to average equity (ytd only) | 9.3083% | 1,026 |
| Net charge-offs to loans | 0.0800% | 3,577 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 98.5000% | 469 |
| Efficiency ratio | 71.6138% | 3,535 |
| Assets per employee ($millions) | 2.4114% | 6,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8223% | 2,357 |
| Loan loss allowance to noncurrent loans | 2,542.8571% | 239 |
| Noncurrent assets plus other real estate owned to assets | 0.0108% | 6,522 |
| Noncurrent loans to loans | 0.0717% | 6,177 |
| Net loans and leases to total assets | 14.7296% | 6,851 |
| Net loans and leases to deposits | 16.9759% | 6,862 |
| Net loans and leases to core deposits | 19.0357% | 6,844 |
| Total domestic deposits to total assets | 86.7679% | 2,969 |
| Equity capital to assets | 12.1016% | 1,849 |
| Core capital (leverage) ratio | 11.2917% | 2,096 |
| Tier 1 risk-based capital ratio | 35.8601% | 310 |
| Total risk-based capital ratio | 36.7108% | 315 |
| Memoranda: | ||
| Average total assets | $66,871,000 | 5,661 |
| Average earning assets | $58,756,000 | 5,734 |
| Average equity | $8,100,330 | 5,410 |
| Average total loans | $10,002,330 | 6,707 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3429% | 6,059 |
| Cost of funding earning assets | 0.2741% | 6,138 |
| Net interest margin | 3.0688% | 5,371 |
| Noninterest income to average assets | 1.3815% | 810 |
| Noninterest expense to average assets | 2.9637% | 3,103 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0745% | 1,954 |
| Return on assets (ROA) | 1.0745% | 2,061 |
| Pretax return on assets | 1.1276% | 2,855 |
| Return on Equity (ROE) | 8.8662% | 2,544 |
| Retained earnings to average equity (ytd only) | 8.8662% | 1,427 |
| Net charge-offs to loans | -0.0395% | 6,025 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4387% | 3,534 |
| Assets per employee ($millions) | 2.6675% | 6,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9905% | 2,070 |
| Loan loss allowance to noncurrent loans | 2,300.0000% | 233 |
| Noncurrent assets plus other real estate owned to assets | 0.0115% | 6,590 |
| Noncurrent loans to loans | 0.0865% | 6,221 |
| Net loans and leases to total assets | 13.0630% | 6,934 |
| Net loans and leases to deposits | 15.0626% | 6,942 |
| Net loans and leases to core deposits | 16.9207% | 6,932 |
| Total domestic deposits to total assets | 86.7250% | 3,115 |
| Equity capital to assets | 11.8490% | 2,140 |
| Core capital (leverage) ratio | 10.8595% | 2,389 |
| Tier 1 risk-based capital ratio | 35.7727% | 322 |
| Total risk-based capital ratio | 36.6734% | 329 |
| Memoranda: | ||
| Average total assets | $67,753,000 | 5,696 |
| Average earning assets | $59,828,500 | 5,752 |
| Average equity | $8,211,000 | 5,429 |
| Average total loans | $10,119,500 | 6,764 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6061% | 6,220 |
| Cost of funding earning assets | 0.3437% | 6,251 |
| Net interest margin | 3.2625% | 5,384 |
| Noninterest income to average assets | 1.4535% | 744 |
| Noninterest expense to average assets | 3.0480% | 3,100 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.1791% | 1,666 |
| Return on assets (ROA) | 1.2161% | 1,713 |
| Pretax return on assets | 1.3096% | 2,360 |
| Return on Equity (ROE) | 9.4808% | 2,412 |
| Retained earnings to average equity (ytd only) | 3.5105% | 3,745 |
| Net charge-offs to loans | 0.0368% | 5,409 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 207.2500% | 208 |
| Efficiency ratio | 70.5924% | 3,693 |
| Assets per employee ($millions) | 2.5442% | 6,577 |
| Cash dividends to net income (ytd only)* | 62.9723% | 1,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6553% | 3,097 |
| Loan loss allowance to noncurrent loans | 1,011.1111% | 459 |
| Noncurrent assets plus other real estate owned to assets | 0.0272% | 6,595 |
| Noncurrent loans to loans | 0.1637% | 6,071 |
| Net loans and leases to total assets | 16.3462% | 6,970 |
| Net loans and leases to deposits | 18.9918% | 6,983 |
| Net loans and leases to core deposits | 21.4834% | 6,964 |
| Total domestic deposits to total assets | 86.0695% | 3,322 |
| Equity capital to assets | 12.4021% | 1,785 |
| Core capital (leverage) ratio | 10.5953% | 2,660 |
| Tier 1 risk-based capital ratio | 33.1457% | 398 |
| Total risk-based capital ratio | 33.9923% | 400 |
| Memoranda: | ||
| Average total assets | $65,289,600 | 5,773 |
| Average earning assets | $57,318,800 | 5,830 |
| Average equity | $8,374,800 | 5,400 |
| Average total loans | $10,862,600 | 6,812 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6534% | 6,308 |
| Cost of funding earning assets | 0.3604% | 6,328 |
| Net interest margin | 3.2930% | 5,413 |
| Noninterest income to average assets | 1.4342% | 729 |
| Noninterest expense to average assets | 3.1245% | 2,811 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.1413% | 1,947 |
| Return on assets (ROA) | 1.1924% | 1,946 |
| Pretax return on assets | 1.2457% | 2,803 |
| Return on Equity (ROE) | 9.2187% | 2,704 |
| Retained earnings to average equity (ytd only) | 9.2187% | 1,147 |
| Net charge-offs to loans | 0.0369% | 5,132 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 193.9950% | 232 |
| Efficiency ratio | 72.3778% | 3,251 |
| Assets per employee ($millions) | 2.6839% | 6,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8049% | 2,779 |
| Loan loss allowance to noncurrent loans | 6,100.0000% | 116 |
| Noncurrent assets plus other real estate owned to assets | 0.0047% | 6,793 |
| Noncurrent loans to loans | 0.0296% | 6,553 |
| Net loans and leases to total assets | 15.4565% | 7,072 |
| Net loans and leases to deposits | 18.3220% | 7,087 |
| Net loans and leases to core deposits | 20.7815% | 7,072 |
| Total domestic deposits to total assets | 84.3603% | 4,056 |
| Equity capital to assets | 13.6525% | 1,286 |
| Core capital (leverage) ratio | 11.6040% | 1,912 |
| Tier 1 risk-based capital ratio | 35.7732% | 333 |
| Total risk-based capital ratio | 36.6562% | 337 |
| Memoranda: | ||
| Average total assets | $65,074,500 | 5,847 |
| Average earning assets | $56,968,250 | 5,906 |
| Average equity | $8,417,500 | 5,436 |
| Average total loans | $10,829,500 | 6,907 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6551% | 6,409 |
| Cost of funding earning assets | 0.3805% | 6,375 |
| Net interest margin | 3.2746% | 5,521 |
| Noninterest income to average assets | 1.4121% | 723 |
| Noninterest expense to average assets | 3.0875% | 2,964 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1456% | 1,890 |
| Return on assets (ROA) | 1.1456% | 2,105 |
| Pretax return on assets | 1.1976% | 2,937 |
| Return on Equity (ROE) | 9.0207% | 2,805 |
| Retained earnings to average equity (ytd only) | 9.0207% | 1,268 |
| Net charge-offs to loans | 0.0362% | 4,877 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 195.5000% | 230 |
| Efficiency ratio | 72.0515% | 3,425 |
| Assets per employee ($millions) | 2.6438% | 6,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8329% | 2,749 |
| Loan loss allowance to noncurrent loans | 1,840.0000% | 263 |
| Noncurrent assets plus other real estate owned to assets | 0.0151% | 6,800 |
| Noncurrent loans to loans | 0.0996% | 6,416 |
| Net loans and leases to total assets | 14.9106% | 7,143 |
| Net loans and leases to deposits | 17.4815% | 7,153 |
| Net loans and leases to core deposits | 20.4278% | 7,139 |
| Total domestic deposits to total assets | 85.2937% | 3,712 |
| Equity capital to assets | 12.9119% | 1,563 |
| Core capital (leverage) ratio | 10.9296% | 2,373 |
| Tier 1 risk-based capital ratio | 34.8857% | 349 |
| Total risk-based capital ratio | 35.7765% | 352 |
| Memoranda: | ||
| Average total assets | $65,295,000 | 5,873 |
| Average earning assets | $57,290,000 | 5,931 |
| Average equity | $8,292,000 | 5,482 |
| Average total loans | $11,059,670 | 6,961 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6842% | 6,461 |
| Cost of funding earning assets | 0.3833% | 6,493 |
| Net interest margin | 3.3009% | 5,476 |
| Noninterest income to average assets | 1.3992% | 734 |
| Noninterest expense to average assets | 3.1435% | 2,779 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0663% | 2,222 |
| Return on assets (ROA) | 1.0663% | 2,417 |
| Pretax return on assets | 1.1218% | 3,234 |
| Return on Equity (ROE) | 8.4690% | 3,072 |
| Retained earnings to average equity (ytd only) | 8.4690% | 1,791 |
| Net charge-offs to loans | -0.0346% | 6,395 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6994% | 3,140 |
| Assets per employee ($millions) | 2.6240% | 6,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8046% | 2,981 |
| Loan loss allowance to noncurrent loans | 37.6754% | 5,755 |
| Noncurrent assets plus other real estate owned to assets | 0.7607% | 5,031 |
| Noncurrent loans to loans | 4.7898% | 1,185 |
| Net loans and leases to total assets | 15.5943% | 7,197 |
| Net loans and leases to deposits | 18.1805% | 7,206 |
| Net loans and leases to core deposits | 20.3166% | 7,194 |
| Total domestic deposits to total assets | 85.7746% | 3,650 |
| Equity capital to assets | 12.5394% | 1,702 |
| Core capital (leverage) ratio | 10.9983% | 2,260 |
| Tier 1 risk-based capital ratio | 32.8565% | 399 |
| Total risk-based capital ratio | 33.7335% | 405 |
| Memoranda: | ||
| Average total assets | $64,895,500 | 5,923 |
| Average earning assets | $56,348,500 | 5,996 |
| Average equity | $8,171,000 | 5,541 |
| Average total loans | $11,570,000 | 7,002 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0225% | 6,414 |
| Cost of funding earning assets | 0.4599% | 6,702 |
| Net interest margin | 3.5626% | 4,882 |
| Noninterest income to average assets | 1.5051% | 578 |
| Noninterest expense to average assets | 3.2990% | 2,526 |
| Loan and lease loss provision to assets | 0.0049% | 6,459 |
| Net operating income to assets | 1.0552% | 1,981 |
| Return on assets (ROA) | 1.1013% | 1,943 |
| Pretax return on assets | 1.3884% | 1,814 |
| Return on Equity (ROE) | 8.5086% | 2,667 |
| Retained earnings to average equity (ytd only) | 2.2431% | 4,615 |
| Net charge-offs to loans | 0.0085% | 6,311 |
| Credit loss provision to net charge-offs | 300.0000% | 776 |
| Earnings coverage of net charge-offs (x) | 823.0000% | 35 |
| Efficiency ratio | 71.1936% | 3,749 |
| Assets per employee ($millions) | 2.5676% | 6,762 |
| Cash dividends to net income (ytd only)* | 73.6377% | 1,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4620% | 4,185 |
| Loan loss allowance to noncurrent loans | 38.1148% | 5,722 |
| Noncurrent assets plus other real estate owned to assets | 0.7602% | 5,121 |
| Noncurrent loans to loans | 3.8359% | 1,636 |
| Net loans and leases to total assets | 19.5295% | 7,214 |
| Net loans and leases to deposits | 23.0056% | 7,222 |
| Net loans and leases to core deposits | 25.0085% | 7,205 |
| Total domestic deposits to total assets | 84.8902% | 3,906 |
| Equity capital to assets | 12.6437% | 1,707 |
| Core capital (leverage) ratio | 10.7094% | 2,515 |
| Tier 1 risk-based capital ratio | 28.9572% | 568 |
| Total risk-based capital ratio | 29.7457% | 574 |
| Memoranda: | ||
| Average total assets | $61,655,400 | 5,991 |
| Average earning assets | $54,145,200 | 6,042 |
| Average equity | $7,980,200 | 5,573 |
| Average total loans | $11,712,800 | 7,045 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0689% | 6,474 |
| Cost of funding earning assets | 0.4831% | 6,770 |
| Net interest margin | 3.5858% | 4,828 |
| Noninterest income to average assets | 1.5142% | 574 |
| Noninterest expense to average assets | 3.3408% | 2,371 |
| Loan and lease loss provision to assets | 0.0066% | 6,343 |
| Net operating income to assets | 1.2515% | 1,514 |
| Return on assets (ROA) | 1.3263% | 1,401 |
| Pretax return on assets | 1.3918% | 1,961 |
| Return on Equity (ROE) | 10.1848% | 2,138 |
| Retained earnings to average equity (ytd only) | 10.1848% | 793 |
| Net charge-offs to loans | -0.0116% | 6,802 |
| Credit loss provision to net charge-offs | -300.0000% | 6,617 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6831% | 3,621 |
| Assets per employee ($millions) | 2.4527% | 6,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6522% | 3,442 |
| Loan loss allowance to noncurrent loans | 38.5246% | 5,717 |
| Noncurrent assets plus other real estate owned to assets | 0.7653% | 5,240 |
| Noncurrent loans to loans | 4.2886% | 1,529 |
| Net loans and leases to total assets | 17.5493% | 7,313 |
| Net loans and leases to deposits | 20.6995% | 7,324 |
| Net loans and leases to core deposits | 22.4040% | 7,309 |
| Total domestic deposits to total assets | 84.7810% | 3,879 |
| Equity capital to assets | 13.8124% | 1,238 |
| Core capital (leverage) ratio | 11.6530% | 1,920 |
| Tier 1 risk-based capital ratio | 33.6908% | 397 |
| Total risk-based capital ratio | 34.5636% | 399 |
| Memoranda: | ||
| Average total assets | $61,021,750 | 6,058 |
| Average earning assets | $53,542,750 | 6,111 |
| Average equity | $7,946,250 | 5,613 |
| Average total loans | $11,460,500 | 7,124 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1525% | 6,381 |
| Cost of funding earning assets | 0.5033% | 6,833 |
| Net interest margin | 3.6491% | 4,526 |
| Noninterest income to average assets | 1.5173% | 557 |
| Noninterest expense to average assets | 3.3707% | 2,340 |
| Loan and lease loss provision to assets | 0.0100% | 6,138 |
| Net operating income to assets | 1.2604% | 1,420 |
| Return on assets (ROA) | 1.3742% | 1,208 |
| Pretax return on assets | 1.4408% | 1,691 |
| Return on Equity (ROE) | 10.7847% | 1,874 |
| Retained earnings to average equity (ytd only) | 10.7847% | 707 |
| Net charge-offs to loans | -0.0174% | 6,792 |
| Credit loss provision to net charge-offs | -300.0000% | 6,432 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6914% | 3,797 |
| Assets per employee ($millions) | 2.5014% | 6,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7144% | 3,281 |
| Loan loss allowance to noncurrent loans | 18,900.0000% | 32 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 7,142 |
| Noncurrent loans to loans | 0.0091% | 6,988 |
| Net loans and leases to total assets | 17.3266% | 7,397 |
| Net loans and leases to deposits | 20.2021% | 7,406 |
| Net loans and leases to core deposits | 22.5541% | 7,389 |
| Total domestic deposits to total assets | 85.7661% | 3,458 |
| Equity capital to assets | 13.0985% | 1,472 |
| Core capital (leverage) ratio | 11.6567% | 1,804 |
| Tier 1 risk-based capital ratio | 33.3412% | 407 |
| Total risk-based capital ratio | 34.2334% | 406 |
| Memoranda: | ||
| Average total assets | $60,106,000 | 6,134 |
| Average earning assets | $52,450,670 | 6,210 |
| Average equity | $7,659,000 | 5,716 |
| Average total loans | $11,487,670 | 7,200 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2253% | 6,220 |
| Cost of funding earning assets | 0.5262% | 6,878 |
| Net interest margin | 3.6990% | 4,110 |
| Noninterest income to average assets | 1.5486% | 545 |
| Noninterest expense to average assets | 3.4708% | 2,082 |
| Loan and lease loss provision to assets | 0.0204% | 5,699 |
| Net operating income to assets | 1.2362% | 1,439 |
| Return on assets (ROA) | 1.2362% | 1,492 |
| Pretax return on assets | 1.3041% | 2,033 |
| Return on Equity (ROE) | 9.8472% | 2,153 |
| Retained earnings to average equity (ytd only) | 9.8472% | 1,151 |
| Net charge-offs to loans | -0.0341% | 6,752 |
| Credit loss provision to net charge-offs | -300.0000% | 5,858 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3796% | 3,794 |
| Assets per employee ($millions) | 2.2888% | 7,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7442% | 3,200 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 17.8911% | 7,452 |
| Net loans and leases to deposits | 20.7633% | 7,461 |
| Net loans and leases to core deposits | 22.9486% | 7,449 |
| Total domestic deposits to total assets | 86.1670% | 3,423 |
| Equity capital to assets | 12.9088% | 1,419 |
| Core capital (leverage) ratio | 11.5564% | 1,816 |
| Tier 1 risk-based capital ratio | 27.2224% | 688 |
| Total risk-based capital ratio | 27.9755% | 711 |
| Memoranda: | ||
| Average total assets | $58,892,000 | 6,227 |
| Average earning assets | $51,689,000 | 6,281 |
| Average equity | $7,393,000 | 5,808 |
| Average total loans | $11,719,500 | 7,239 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4204% | 6,578 |
| Cost of funding earning assets | 0.7936% | 6,595 |
| Net interest margin | 3.6268% | 4,687 |
| Noninterest income to average assets | 1.4730% | 668 |
| Noninterest expense to average assets | 3.4984% | 2,185 |
| Loan and lease loss provision to assets | 0.0392% | 6,767 |
| Net operating income to assets | 1.0947% | 1,716 |
| Return on assets (ROA) | 1.1116% | 1,751 |
| Pretax return on assets | 1.1235% | 2,487 |
| Return on Equity (ROE) | 8.6123% | 2,462 |
| Retained earnings to average equity (ytd only) | 2.2719% | 4,292 |
| Net charge-offs to loans | -0.0237% | 7,380 |
| Credit loss provision to net charge-offs | -766.6667% | 7,135 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3304% | 3,145 |
| Assets per employee ($millions) | 2.1583% | 7,329 |
| Cash dividends to net income (ytd only)* | 73.6196% | 1,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4679% | 4,199 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 21.3097% | 7,507 |
| Net loans and leases to deposits | 24.6967% | 7,527 |
| Net loans and leases to core deposits | 27.9666% | 7,493 |
| Total domestic deposits to total assets | 86.2855% | 3,209 |
| Equity capital to assets | 12.1907% | 1,800 |
| Core capital (leverage) ratio | 10.9436% | 2,201 |
| Tier 1 risk-based capital ratio | 24.9634% | 852 |
| Total risk-based capital ratio | 25.6579% | 884 |
| Memoranda: | ||
| Average total assets | $58,654,800 | 6,253 |
| Average earning assets | $51,285,400 | 6,315 |
| Average equity | $7,570,600 | 5,855 |
| Average total loans | $12,682,200 | 7,268 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4579% | 6,701 |
| Cost of funding earning assets | 0.8469% | 6,595 |
| Net interest margin | 3.6110% | 4,824 |
| Noninterest income to average assets | 1.4252% | 669 |
| Noninterest expense to average assets | 3.3611% | 2,398 |
| Loan and lease loss provision to assets | 0.0522% | 6,559 |
| Net operating income to assets | 1.0975% | 1,893 |
| Return on assets (ROA) | 1.1188% | 1,937 |
| Pretax return on assets | 1.1892% | 2,529 |
| Return on Equity (ROE) | 8.5508% | 2,669 |
| Retained earnings to average equity (ytd only) | 8.5508% | 1,221 |
| Net charge-offs to loans | 0.0210% | 6,381 |
| Credit loss provision to net charge-offs | 1,150.0000% | 252 |
| Earnings coverage of net charge-offs (x) | 268.1573% | 121 |
| Efficiency ratio | 73.3895% | 3,439 |
| Assets per employee ($millions) | 2.3812% | 7,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7861% | 2,832 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 15.8984% | 7,657 |
| Net loans and leases to deposits | 18.5875% | 7,670 |
| Net loans and leases to core deposits | 20.7326% | 7,652 |
| Total domestic deposits to total assets | 85.5327% | 3,329 |
| Equity capital to assets | 13.2317% | 1,482 |
| Core capital (leverage) ratio | 11.7999% | 1,765 |
| Tier 1 risk-based capital ratio | 29.2973% | 553 |
| Total risk-based capital ratio | 30.0496% | 569 |
| Memoranda: | ||
| Average total assets | $58,750,000 | 6,314 |
| Average earning assets | $51,323,750 | 6,392 |
| Average equity | $7,687,250 | 5,881 |
| Average total loans | $12,702,000 | 7,366 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6049% | 6,444 |
| Cost of funding earning assets | 0.9273% | 6,476 |
| Net interest margin | 3.6776% | 4,464 |
| Noninterest income to average assets | 1.4143% | 633 |
| Noninterest expense to average assets | 3.4283% | 2,196 |
| Loan and lease loss provision to assets | 0.0520% | 6,443 |
| Net operating income to assets | 1.0954% | 1,873 |
| Return on assets (ROA) | 1.0954% | 1,942 |
| Pretax return on assets | 1.1647% | 2,536 |
| Return on Equity (ROE) | 8.4054% | 2,710 |
| Retained earnings to average equity (ytd only) | 8.4054% | 1,294 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8060% | 3,506 |
| Assets per employee ($millions) | 2.2628% | 7,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4308% | 4,286 |
| Loan loss allowance to noncurrent loans | 4,325.0000% | 101 |
| Noncurrent assets plus other real estate owned to assets | 0.0068% | 7,404 |
| Noncurrent loans to loans | 0.0331% | 7,240 |
| Net loans and leases to total assets | 20.2573% | 7,685 |
| Net loans and leases to deposits | 23.6098% | 7,705 |
| Net loans and leases to core deposits | 26.1136% | 7,691 |
| Total domestic deposits to total assets | 85.8005% | 3,204 |
| Equity capital to assets | 13.1134% | 1,526 |
| Core capital (leverage) ratio | 11.8337% | 1,737 |
| Tier 1 risk-based capital ratio | 25.8919% | 773 |
| Total risk-based capital ratio | 26.5513% | 805 |
| Memoranda: | ||
| Average total assets | $57,696,000 | 6,403 |
| Average earning assets | $50,685,000 | 6,455 |
| Average equity | $7,519,000 | 5,960 |
| Average total loans | $13,595,330 | 7,371 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7949% | 5,905 |
| Cost of funding earning assets | 0.9943% | 6,405 |
| Net interest margin | 3.8007% | 3,794 |
| Noninterest income to average assets | 1.3654% | 644 |
| Noninterest expense to average assets | 3.4519% | 2,105 |
| Loan and lease loss provision to assets | 0.0560% | 6,100 |
| Net operating income to assets | 1.1063% | 1,813 |
| Return on assets (ROA) | 1.1063% | 1,894 |
| Pretax return on assets | 1.1763% | 2,447 |
| Return on Equity (ROE) | 8.5164% | 2,660 |
| Retained earnings to average equity (ytd only) | 8.5164% | 1,530 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6921% | 3,622 |
| Assets per employee ($millions) | 2.2155% | 7,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2019% | 5,490 |
| Loan loss allowance to noncurrent loans | 210.1266% | 1,357 |
| Noncurrent assets plus other real estate owned to assets | 0.1371% | 7,140 |
| Noncurrent loans to loans | 0.5720% | 6,159 |
| Net loans and leases to total assets | 23.6880% | 7,733 |
| Net loans and leases to deposits | 27.5935% | 7,757 |
| Net loans and leases to core deposits | 31.2121% | 7,729 |
| Total domestic deposits to total assets | 85.8462% | 3,234 |
| Equity capital to assets | 13.1156% | 1,478 |
| Core capital (leverage) ratio | 12.0542% | 1,631 |
| Tier 1 risk-based capital ratio | 24.9305% | 876 |
| Total risk-based capital ratio | 25.5542% | 914 |
| Memoranda: | ||
| Average total assets | $57,127,500 | 6,502 |
| Average earning assets | $49,886,000 | 6,552 |
| Average equity | $7,421,000 | 6,047 |
| Average total loans | $14,347,500 | 7,433 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2580% | 5,374 |
| Cost of funding earning assets | 1.3202% | 6,242 |
| Net interest margin | 3.9378% | 3,130 |
| Noninterest income to average assets | 1.3763% | 777 |
| Noninterest expense to average assets | 3.6963% | 1,922 |
| Loan and lease loss provision to assets | 0.0548% | 7,018 |
| Net operating income to assets | 1.0642% | 1,608 |
| Return on assets (ROA) | 1.0642% | 1,658 |
| Pretax return on assets | 1.1043% | 2,239 |
| Return on Equity (ROE) | 8.2228% | 2,280 |
| Retained earnings to average equity (ytd only) | 1.4528% | 4,049 |
| Net charge-offs to loans | 0.5548% | 3,560 |
| Credit loss provision to net charge-offs | 37.5000% | 6,851 |
| Earnings coverage of net charge-offs (x) | 7.9375% | 2,035 |
| Efficiency ratio | 76.1278% | 3,502 |
| Assets per employee ($millions) | 2.1789% | 7,591 |
| Cash dividends to net income (ytd only)* | 82.3328% | 1,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0615% | 6,079 |
| Loan loss allowance to noncurrent loans | 7,900.0000% | 62 |
| Noncurrent assets plus other real estate owned to assets | 0.0035% | 7,532 |
| Noncurrent loans to loans | 0.0134% | 7,406 |
| Net loans and leases to total assets | 25.9938% | 7,784 |
| Net loans and leases to deposits | 30.5278% | 7,804 |
| Net loans and leases to core deposits | 42.3356% | 7,728 |
| Total domestic deposits to total assets | 85.1479% | 3,487 |
| Equity capital to assets | 12.8627% | 1,565 |
| Core capital (leverage) ratio | 11.9183% | 1,697 |
| Tier 1 risk-based capital ratio | 22.4288% | 1,104 |
| Total risk-based capital ratio | 22.9760% | 1,163 |
| Memoranda: | ||
| Average total assets | $54,783,800 | 6,534 |
| Average earning assets | $48,402,200 | 6,584 |
| Average equity | $7,090,000 | 6,241 |
| Average total loans | $14,418,400 | 7,481 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3385% | 5,228 |
| Cost of funding earning assets | 1.3998% | 6,232 |
| Net interest margin | 3.9388% | 3,087 |
| Noninterest income to average assets | 1.3182% | 890 |
| Noninterest expense to average assets | 3.6943% | 1,832 |
| Loan and lease loss provision to assets | 0.0565% | 6,803 |
| Net operating income to assets | 0.9819% | 2,121 |
| Return on assets (ROA) | 0.9819% | 2,182 |
| Pretax return on assets | 1.0555% | 2,719 |
| Return on Equity (ROE) | 7.5748% | 2,831 |
| Retained earnings to average equity (ytd only) | 7.5748% | 1,280 |
| Net charge-offs to loans | 0.4941% | 3,248 |
| Credit loss provision to net charge-offs | 43.3962% | 6,391 |
| Earnings coverage of net charge-offs (x) | 8.5477% | 2,227 |
| Efficiency ratio | 76.8641% | 3,348 |
| Assets per employee ($millions) | 2.1545% | 7,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3602% | 4,158 |
| Loan loss allowance to noncurrent loans | 577.4194% | 570 |
| Noncurrent assets plus other real estate owned to assets | 0.0576% | 7,414 |
| Noncurrent loans to loans | 0.2356% | 6,912 |
| Net loans and leases to total assets | 24.1000% | 7,899 |
| Net loans and leases to deposits | 28.5516% | 7,927 |
| Net loans and leases to core deposits | 41.1834% | 7,839 |
| Total domestic deposits to total assets | 84.4086% | 3,530 |
| Equity capital to assets | 14.1544% | 1,253 |
| Core capital (leverage) ratio | 12.3166% | 1,659 |
| Tier 1 risk-based capital ratio | 25.4174% | 860 |
| Total risk-based capital ratio | 26.0889% | 893 |
| Memoranda: | ||
| Average total assets | $54,316,750 | 6,598 |
| Average earning assets | $48,102,000 | 6,643 |
| Average equity | $7,040,750 | 6,303 |
| Average total loans | $14,302,000 | 7,551 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3911% | 5,196 |
| Cost of funding earning assets | 1.4476% | 6,328 |
| Net interest margin | 3.9435% | 2,917 |
| Noninterest income to average assets | 1.2778% | 936 |
| Noninterest expense to average assets | 3.7049% | 1,832 |
| Loan and lease loss provision to assets | 0.0551% | 6,674 |
| Net operating income to assets | 0.9216% | 2,373 |
| Return on assets (ROA) | 0.9216% | 2,468 |
| Pretax return on assets | 0.9988% | 3,020 |
| Return on Equity (ROE) | 7.3324% | 3,048 |
| Retained earnings to average equity (ytd only) | 7.3324% | 1,455 |
| Net charge-offs to loans | 0.2179% | 4,137 |
| Credit loss provision to net charge-offs | 93.7500% | 4,805 |
| Earnings coverage of net charge-offs (x) | 17.9375% | 1,442 |
| Efficiency ratio | 77.8549% | 3,372 |
| Assets per employee ($millions) | 2.0546% | 7,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4920% | 3,243 |
| Loan loss allowance to noncurrent loans | 475.0000% | 690 |
| Noncurrent assets plus other real estate owned to assets | 0.1154% | 7,275 |
| Noncurrent loans to loans | 0.3141% | 6,725 |
| Net loans and leases to total assets | 24.8743% | 7,983 |
| Net loans and leases to deposits | 28.7959% | 8,009 |
| Net loans and leases to core deposits | 40.6738% | 7,926 |
| Total domestic deposits to total assets | 86.3813% | 2,581 |
| Equity capital to assets | 12.5155% | 1,916 |
| Core capital (leverage) ratio | 12.1294% | 1,782 |
| Tier 1 risk-based capital ratio | 25.1347% | 929 |
| Total risk-based capital ratio | 25.9278% | 954 |
| Memoranda: | ||
| Average total assets | $54,468,000 | 6,660 |
| Average earning assets | $48,079,670 | 6,708 |
| Average equity | $6,846,330 | 6,426 |
| Average total loans | $14,682,670 | 7,609 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6145% | 4,263 |
| Cost of funding earning assets | 1.5343% | 6,292 |
| Net interest margin | 4.0802% | 2,357 |
| Noninterest income to average assets | 1.1860% | 1,033 |
| Noninterest expense to average assets | 3.5801% | 1,905 |
| Loan and lease loss provision to assets | 0.0593% | 6,216 |
| Net operating income to assets | 1.0600% | 2,107 |
| Return on assets (ROA) | 1.0600% | 2,237 |
| Pretax return on assets | 1.1341% | 2,858 |
| Return on Equity (ROE) | 8.4142% | 2,960 |
| Retained earnings to average equity (ytd only) | 8.4142% | 1,659 |
| Net charge-offs to loans | 0.3995% | 2,498 |
| Credit loss provision to net charge-offs | 53.3333% | 4,625 |
| Earnings coverage of net charge-offs (x) | 10.7333% | 1,929 |
| Efficiency ratio | 75.0000% | 3,664 |
| Assets per employee ($millions) | 2.1240% | 7,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4058% | 3,467 |
| Loan loss allowance to noncurrent loans | 517.9487% | 676 |
| Noncurrent assets plus other real estate owned to assets | 0.1014% | 7,286 |
| Noncurrent loans to loans | 0.2714% | 6,755 |
| Net loans and leases to total assets | 25.6532% | 8,009 |
| Net loans and leases to deposits | 29.6865% | 8,043 |
| Net loans and leases to core deposits | 40.3010% | 7,974 |
| Total domestic deposits to total assets | 86.4138% | 2,498 |
| Equity capital to assets | 12.5016% | 1,969 |
| Core capital (leverage) ratio | 12.1733% | 1,828 |
| Tier 1 risk-based capital ratio | 25.1875% | 967 |
| Total risk-based capital ratio | 25.9683% | 984 |
| Memoranda: | ||
| Average total assets | $53,964,500 | 6,711 |
| Average earning assets | $47,448,500 | 6,767 |
| Average equity | $6,798,000 | 6,481 |
| Average total loans | $15,020,000 | 7,633 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0968% | 5,063 |
| Cost of funding earning assets | 2.1390% | 5,882 |
| Net interest margin | 3.9578% | 3,321 |
| Noninterest income to average assets | 1.3818% | 754 |
| Noninterest expense to average assets | 3.5750% | 2,210 |
| Loan and lease loss provision to assets | 0.1389% | 5,582 |
| Net operating income to assets | 0.9688% | 2,701 |
| Return on assets (ROA) | 0.9688% | 2,578 |
| Pretax return on assets | 1.1948% | 2,660 |
| Return on Equity (ROE) | 7.5408% | 3,264 |
| Retained earnings to average equity (ytd only) | -1.1102% | 5,629 |
| Net charge-offs to loans | 0.5061% | 2,328 |
| Credit loss provision to net charge-offs | 93.7500% | 5,576 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 2,774 |
| Efficiency ratio | 72.8302% | 3,789 |
| Assets per employee ($millions) | 2.1082% | 7,819 |
| Cash dividends to net income (ytd only)* | 114.7228% | 744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3337% | 3,571 |
| Loan loss allowance to noncurrent loans | 380.0000% | 1,100 |
| Noncurrent assets plus other real estate owned to assets | 0.1309% | 7,062 |
| Noncurrent loans to loans | 0.3510% | 6,319 |
| Net loans and leases to total assets | 29.3374% | 8,006 |
| Net loans and leases to deposits | 34.4718% | 8,053 |
| Net loans and leases to core deposits | 49.1778% | 7,903 |
| Total domestic deposits to total assets | 85.1055% | 2,796 |
| Equity capital to assets | 12.6973% | 1,921 |
| Core capital (leverage) ratio | 11.6653% | 2,144 |
| Tier 1 risk-based capital ratio | 23.4534% | 1,141 |
| Total risk-based capital ratio | 24.2226% | 1,171 |
| Memoranda: | ||
| Average total assets | $53,986,000 | 6,622 |
| Average earning assets | $48,107,400 | 6,667 |
| Average equity | $6,935,600 | 6,480 |
| Average total loans | $15,806,600 | 7,602 |